Concord vs North Strathfield: true annual running costs compared (2026)
Last updated July 2026 · council rates current NSW schedules, ATO 88c/km, Opal & Translink fares, AER electricity benchmarks
Concord and North Strathfield are both Canada Bay rates (OLG suburbs, sitting 9.5 km and 11.1 km from Sydney CBD respectively, and are commonly compared by buyers weighing up running costs within the same council area.
Concord runs $401 a year cheaper than North Strathfield, driven mostly by the commute. Over 10 years at 3% growth that gap compounds to about $4,597.
Over 10 years these two cost about the same to run. The difference here isn't money — it's location, schools and lifestyle.
Get the free report: 10-year costs, flood & fire risk, crime, schools and overall verdict →Concord
North Strathfield
Annual cost breakdown
| Category | Concord | North Strathfield | Difference |
|---|---|---|---|
| Council rates | $1,268 | $1,268 | - |
| Water & sewerage | $1,548 | $1,548 | - |
| Commute (driving) | $2,829 | $3,230 | -$401 |
| Commute (public transport) | $1,920 | $2,386 | -$466 |
| Home insurance | $2,950 | $2,950 | - |
| Body corporate (unit) | $2,600 | $2,600 | - |
| Total (driving) | $8,595 | $8,996 | -$401 |
| Total (public transport) | $7,686 | $8,152 | -$466 |
Green = cheaper. Commute: ATO 88c/km, 220 working days. Insurance AI-estimated; actual premiums vary. Council rates: average residential rate (NSW, IPART-uplifted).
| Dwelling | Concord | North Strathfield | Difference |
|---|---|---|---|
| House | $2,148 | $2,148 | - |
| Unit | $1,716 | $1,716 | - |
Estimated from AER residential benchmarks for each suburb's climate zone at 2025 rates (QLD 30c/kWh, NSW 33c/kWh incl. supply charge; unit ≈ 75% of a house). Get the free report for a breakdown by your exact number of occupants.
Cost breakdown chart
Annual cost breakdown — Concord vs North Strathfield (2026-27)
What the numbers show
Concord costs $401 less per year to run by car. Held over ten years at 3% annual cost growth, that gap compounds to $4,597 in favour of Concord.
The biggest single gap is commute costs at $401 per year. North Strathfield is 11.1 km from Sydney CBD, which drives higher annual driving costs at the ATO rate of 88c/km.
On public transport the gap is $466 per year, $7,686 from Concord versus $8,152 from North Strathfield.
10-year cumulative cost projection
| Year | Concord cumulative | North Strathfield cumulative | Difference |
|---|---|---|---|
| Year 1 | $8,595 | $8,996 | $401 |
| Year 3 | $26,566 | $27,806 | $1,240 |
| Year 5 | $45,632 | $47,761 | $2,129 |
| Year 10 | $98,532 | $103,129 | $4,597 |
Assumes 3% annual cost growth. Excludes purchase price, mortgage, and personal expenses.
Frequently asked questions
Is Concord or North Strathfield cheaper to live in?
Concord is cheaper to run by car at $8,595 per year versus $8,996 for North Strathfield, a difference of $401 annually. Figures cover council rates, water, commute (ATO 88c/km), and home insurance. Source: SuburbCost 2026 data.
What are council rates in Concord and North Strathfield?
Annual council rates for a house are $1,268 in Concord (Canada Bay rates (OLG) and $1,268 in North Strathfield (Canada Bay rates (OLG). Water and sewerage adds $1,548 in Concord and $1,548 in North Strathfield. Both figures are the average residential rate reported to the Office of Local Government, uplifted by each council's IPART rate peg.
How does the commute cost compare between Concord and North Strathfield?
Annual driving commute costs are $2,829 from Concord and $3,230 from North Strathfield to Sydney CBD (ATO 88c/km). Public transport costs $1,920 from Concord and $2,386 from North Strathfield.
What is the 10-year cost difference between Concord and North Strathfield?
At 3% annual cost growth, Concord costs a cumulative $98,532 and North Strathfield costs $103,129 over 10 years by car. The cumulative difference is $4,597 in favour of Concord. Excludes purchase price, mortgage, and personal expenses.
Which of Concord and North Strathfield is best to actually live in?
You've got the costs. Get the free personalised report for the rest: a clear verdict on which suburb wins, the full flood, fire and crime risk profile, nearest schools, estimated electricity cost by number of occupants, and your own loan or rent stress-tested over 10 years. No spam.
Related comparisons
Sources: Canada Bay rates (OLG and Canada Bay rates (OLG rate data, water utility pricing (QLD: Queensland Urban Utilities / Unitywater; NSW: Sydney Water / Hunter Water), ATO 88c/km, and SuburbCost AI insurance estimates. Data updated July 2026.